Indawo yokuhlala yaseSingapore ngeNkqubo yoTyalo-mali

ISingapore ikwangomnye wamazwe aphambili, azinzileyo, anobuhlobo kwishishini ehlabathini. Indawo yokuhlala ngokwenkqubo yotyalo-mali, ngokuqhelekileyo eyaziwa ngokuba yi Inkqubo Yomtyalo-mali Jikelele (GIP), inika abatyali mali nabaphangeli abanobuchule indlela yokuhlala ngokusisigxina ngokutyala imali kuqoqosho lwelizwe.

Kubatshalizimali behlabathi abafuna indawo ekhuselekileyo, iziseko zolwakhiwo ezikumgangatho wehlabathi, nokufikelela kwiimarike zaseAsia eziphuhlisayo, iSingapore inika ukhetho oluthembekileyo nolunomvuzo oludityaniswayo ukhuseleko, amathuba kunye nokuyila.

Isizathu Sokuba Abatyali-mali Bakhethe ISingapore

ISingapore yindawo yehlabathi yezemali, iteknoloji, izinto eziphathekayo kunye nezinto ezintsha. Inika unxibelelwano olungenakuqhathaniswa, inkqubo engekho mthethweni, kunye nokukhuselwa kwabatyali mali.

Iingenelo Ezisisiseko

• Indawo yokuhlala isigxina kuwe nakwintsapho yakho.
• Ukufikelela ngendlela eyisicwangciso-qhinga kwiimarike zaseAsia-Pacific.
• Imeko yezoqoqosho nezopolitiko ezinzileyo.
• Irhafu ephantsi nemithetho eqinileyo yokukhusela iiasethi.
• Inkqubo yezempilo nemfundo ilungile.
• Ukuhamba ngaphandle kwe-visa kumazwe angama-190+ xa sele ufumene ubumi.

Qaphela: Uzinzo lwezoqoqosho nezopolitiko eSingapore luyenza ibe yenye yezona ndawo zikhuselekileyo kubatyali mali basehlabathini jikelele nabanini bamashishini abafuna ukwakha iingcambu zabo eAsia.

Iindlela eziphambili kwiNkqubo yaBatshalizimali beHlabathi (i-GIP)

I- Inkqubo Yomtyalomali Yehlabathi, ezilawulwa ngu Nxibelelana neSingapore (phantsi kweBhodi yoPhuhliso loLuntu – EDB), inika iindlela ezimbini eziphambili zokuhlala ngokutshalwa kwezimali.

1. Inketho A: Ukutshalwa kwezimali kwishishini elitsha okanye elikhoyo

Abatyali mali banokufumana indawo yokuhlala ngokutyala imali kwishishini elifanelekileyo okanye ngokwandiswa kwelakho eSingapore.

Iimfuno

• Ubuncinane bentshintsho: I-SGD 10 yezigidi (kuquka imali ehlawulwayo).
• Kufuneka ungenise isicwangciso seshishini esibanzi ukubonisa amandla okukhula kunye nokwenza imisebenzi.
• Umsebenzi kufuneka ube kwenye amacandelo avunyiweyo (umzekelo, imali, iteknoloji, izinto eziphathekayo, ezempilo, amandla ahlaziyekayo, njl.)
• Umceli kufuneka abe imbali eqinisekisiweyo yeshishini kunye ne imvelaphi yobugcisa.

2. Inketho B: Utyalomali kwiNgxowa-mali evunyiweyo nge-GIP

Abafakizicelo banokutshala imali kwi- ifundwe ngurhulumente ezixhasa iinkampani eziseSingapore.

Iimfuno

• Ubuncinane bentshintsho: I-25 yezigidi ze-SGD kwiziko elivunyweyo.
• Le ngxowa-mali kufuneka igxile kumacandelo ancedisa kuqoqosho lwaseSingapore.
• Ifanelekile kubatyali mali abangabenzi nto okanye abo bakhetha ukungaqhubeki ishishini ngokuthe ngqo.

3. Inketho C: Indlela yeOfisi yoSapho (eyaziswa ngo-2020)

Abatyali mali banokuqalisa Iofisi yosapho olunye (i-SFO) e Singapore ukuze baphathe ubutyebi babo behlabathi.

Iimfuno

• Ubuncinane bentshintsho: I-SGD 200 yezigidi kwiiasethi ezilawulwayo (AUM).
• Ubuncinane I-50 yezigidi ze-SGD kufuneka zisetyenziswe kutyalo-mali oluvunyiweyo olusekwe eSingapore.
• Kufuneka uqeshe inani elincinci labasebenzi abaqeqeshiweyo kwindawo.

Qaphela: Inketho yeOfisi yoSapho ilungele abantu abanexabiso eliphezulu kakhulu abajolise kulawulo lobutyebi, ukucwangciswa kwelifa, kunye nokukhuselwa kweempahla phakathi kwezizukulwana.

Inkqubo yokufaka isicelo kunye nokuvunywa

Inkqubo yokufaka isicelo se-GIP yaseSingapore inenkcukacha kodwa isebenza kakuhle.

Isinyathelo Ngesinyathelo

1. Uhlolisiso lokuqala kunye nocebiswano

Qinisekisa ukuba uyafaneleka kwaye ukhethe ukhetho olufanelekileyo lotyalo-mali.

2. Ukulungiselela amaxwebhu

Ukuqokelela iingxelo zokufakwa kwequmrhu, ukuhlolwa kwezimali, kunye nokuqinisekiswa kwemithombo yotyalo-mali.

3. Ukubhalisa izicelo

Ukuhambisa Nxibelelana neSingapore kunye nesiphakamiso sesityala-mali kunye namaxwebhu axhasayo.

4. Inqanaba loDliwano-ndlebe

Yiya kudliwanondlebe lomntu siqu namagosa e-GIP ukuze ufunde ngesicwangciso sakho seshishini neenjongo zakho.

5. Ukuvunywa ngokomgaqo (AIP)

Ukuba uyaphumelela, fumana ileta ye-AIP esebenza iinyanga ezintandathu.

6. Ukugqitywa kweTyala

Yenza utyalo-mali olufanelekileyo uze unikeze ubungqina obucacileyo.

7. Ukuvunywa kokugqibela nokuhlala ngokusisigxina

Xa sele uqinisekisiwe, fumana imeko yakho yokuhlala ngokusisigxina (PR) eSingapore.

Umda wexesha

Isigaba	Ixesha eliqikelelweyo
Ukuhlolwa kokufaneleka	iiveki ezi-2 ukuya kwezi-4
Ukufakwa kwezicelo	Iinyanga ezi-2-3
Udliwano-ndlebe kunye ne-AIP	Iinyanga ezi-1 ukuya kwezi-2
Ukugqitywa kweTyala	Iinyanga ezi-6
Ukukhutshwa kwe-PR	Iinyanga ezi-1 ukuya kwezi-2

Qaphela: Inkqubo epheleleyo idla ngokuthatha Iinyanga ezi-6 ukuya kwezi-9 kuxhomekeka kwindlela yotyalo-mali kunye nokugqitywa kwamaxwebhu.

Isifundo seMeko seSicelo se-GIP esiphumeleleyo

Ukusuka Kwinkqubela Yengingqi ukuya Kwikomkhulu LaseSingapore

Ngowama-2024, umzi mveliso wezobuchwephesha waseIndiya wacela Iinkampani zeGlobalhenel Inkampani yakhe, eyayikhethekile kwiinkqubo zezinto ezibonakalayo ezisekelwe kwi-AI, yayisanda kumazantsi mpuma eAsia.

Emva kokuhlolisisa iindlela ezikhoyo, sacebisa I-GIP Inketho A, utyalo-mali I-SGD 12 yezigidi Inkampani ibhaliswe eSingapore. Isicwangciso seshishini sicebise imisebenzi engama-40 yendawo kwiminyaka emihlanu, kwaye inkampani yaseka ubudlelwane neenkampani ezixhasa urhulumente.

Kwiinyanga ezisibhozo, wafumana imvume yokuhlala ngokusisigxina, ibe namhlanje iofisi yakhe yaseSingapore isebenza njengekomkhulu lehlabathi lezinto ezenziwa eAsia-Pacific, ibe inenzuzo yokwenza imali eninzi kunye nokufikelela kwiimarike ezinkulu zaseAsia.

Qaphela: Ukucwangciswa kweshishini elisekwe ngendlela elungeleleneyo kunye nobudlelwane basekuhlaleni kuphucula kakhulu inqanaba lempumelelo yokuvunywa.

Iimfuneko zokufaneleka

Imigaqo-nkqubo ngokubanzi

Abafakizicelo kufuneka babonise amandla emali, amava kunye nokuzibophelela kokwenene ekuncedeni uqoqosho lwaseSingapore.

• Imbali yeshishini eqinisekisiweyo enobuncinane Iminyaka emi-3 yamava okuqala.
• Inkampani yangoku kufuneka ibe nenani lonyaka lokubuya I-SGD 200 yezigidi okanye ngaphezulu (umlinganiselo kwiminyaka emithathu edlulileyo).
• Kwiinkampani ezizimeleyo, abafakizicelo kufuneka babe ubuncinane i-30% yesabelo.
• Iimali zotyalo mali kufuneka zivela kwimithombo esemthethweni.
• Iinkcukacha zobugebengu ezicocekileyo nempilo entle.

Ukukhutshwa Kwintsapho

Indawo yokuhlala isigxina inokufikelela:

• Umlingane okanye iqabane lomtshato elisemthethweni.
• Abantwana abangaphantsi kweminyaka engama-21 ubudala abo bangatshatanga.
• Abazali inokufaneleka phantsi kwepasi ekhethekileyo yokuHamba ixesha elide.

Qaphela: Abantwana abadala abangaphezu kweminyaka engama-21 banokufaka isicelo ngokwahlukeneyo emva kokugqiba imfundo yasekuhlaleni okanye emva kokufumana indawo yokuhlala.

Iinzuzo zokubamba i-Residence Permanent (PR) yaseSingapore

Indlela Yokuphila Nenkululeko Yabantu

• Ukufikelela ngokusisigxina ukuhlala, ukusebenza nokufunda eSingapore.
• Inkululeko yokuqalisa okanye yokwandisa ishishini.
• Akukho zithintelo kwii-visa zokungena okanye ukuphuma.
• Ukufikelela eSingapore inkqubo yemfundo ephezulu.

Iingenelo Zokonga Iinkonzo

• Inqanaba eliphantsi lerhafu yequmrhu (17%).
• Akukho rhafu kwingeniso.
• Akukho rhafu yelifa.
• Ukufikelela kwizivumelwano zokurhafisa kabini namazwe angaphezu kwama-80.
• Ukukhuselwa kwepropathi yengqondo.

Qaphela: Abanini-PR banokufaka isicelo Ubuzwe baseSingapore emva kweminyaka emininzi yokuhlala, kuxhomekeke kwimvume.

Indlela Yokuba Ngummi

Emva kokugcinwa Indawo yokuhlala isigxina ixesha elithile iminyaka emibini okanye ngaphezulu, abatyali mali banokufaka isicelo Ubuzwe baseSingapore, ukuba bahlanganiswe ngempumelelo kwaye babonisa igalelo lezoqoqosho nezentlalo ixesha elide.

Ubulwelwe bunika enye yezona pasipoti zinamandla ehlabathini, zibonelela ngokufikelela ngaphandle kwe-visa Amazwe ayi-190 nokuqashwa okuqinileyo ehlabathini lonke.

Qaphela: ISingapore ivumela ubumi obunye kuphela, ukuze abafakizicelo banokufuna ukulahla ubuzwe babo bangaphambili xa bevunywa.

Ukuthelekisa Nezinye Iinkqubo Zotyalo-mali EAsia

Ilizwe	Ubuncinane beMali	Ukufaneleka kobuzwe	Inzuzo Enkulu
ISingapore	I-10-25 yezigidi ze-SGD	Emva kweminyaka emi-2-5 (PR kuqala)	Ubomi obuzinzileyo, obungenirhafu, obumgangatho ophezulu
IHong Kong	I-HKD 10 yezigidi	Indawo yokuhlala isigxina emva kweminyaka esixhenxe	Isango kwiimarike zaseTshayina
IMalaysia (MM2H)	I-MYR 1 yezigidi	Indawo yokuhlala ixesha elide	Umda wokungena ophantsi
Ostreliya	2.5-5 yezigidi ze-AUD	Ubulwelwe emva kweminyaka emi-5	Uqoqosho olukhulu, irhafu ephezulu
I-New Zealand	NZD 5-10 million	Ubulwelwe emva kweminyaka emi-5	Ukugxila kwindlela yokuphila nokhuseleko

Qaphela: I-Singapore inenzuzo ngamandla ayo emali, imimiselo engenabala, kunye nenkqubo yerhafu ephantsi.

Iimpazamo Eziqhelekileyo Okufuneka Ziphetshwe

1. Ukuhambisa amaxwebhu angafanelekiyo.
2. Ukukhetha amacandelo angawamkelekanga kwi-GIP.
3. Ukugqithisa ukudala imisebenzi okanye ukujongwa kwemarike.
4. Ukungahoyanga ulungiselelo lwengxoxo.
5. Ukungaphumeleli kokugqiba utyalo-mali ngaphakathi kwexesha lokuqinisekisa ukuba i-AIP iyasebenza.

Qaphela: Impazamo nganye inokulibazisa ukuvuma; ulungelelwaniso olunenkathalo luqinisekisa ukuba inkqubo iyaphumelela.

Indlela amaqabane eGlobalhenel axhasa ngayo abatyali mali

Uncedo Olunzulu Ukusuka Ekuqaleni Kuse Ekuvunyelweni

Iinkampani zeGlobalhenel inceda abatyali mali behlabathi kuwo onke amanqanaba Indawo yokuhlala yaseSingapore ngeNkqubo yoTyalo-mali, ukuqinisekisa ukuhambelana, ukucaca, kunye nokusebenza kakuhle.

Iinkonzo Zethu Zibandakanya

• Ukuvavanywa kwangaphambili kokufaneleka nokulungelelaniswa kotyalo-mali.
• Ukuqulunqwa kweeplani zeshishini ezihambelana nemigangatho ye-GIP.
• Inkxaso-mali yezomthetho neyenkxaso-mali.
• Ukudibanisa Nxibelelana neSingapore kunye namagosa e-EDB.
• Udliwano-ndlebe kunye nolwalathiso lokwenza utyalo-mali.
• Ukuncediswa kweentsapho nokuhlala.

Kule minyaka idlulileyo, siye sakhokela oosomashishini baseYurophu, eAsia naseMbindi Mpuma ekufumaneni Indawo yokuhlala isigxina eSingapore Uninzi lwabathengi luxabise ukuthembeka, ukusebenza kakuhle kunye neenzuzo zexesha elide kwiintsapho zabo.

Qaphela: Ukumelwa ngabagqirha kuqinisekisa ukuchaneka nokwamkelwa ngokukhawuleza kwinkqubo yokuvavanya ukhuphiswano yaseSingapore.

Amacandelo Aholayo OluTyalo-mali

Icandelo	Amathuba Otyalo-mali
Iinkqubo	I-Fintech, i-AI, i-data analytics, ukhuseleko lwe-cyber
Ukunyamekela impilo	I-Biotech, izixhobo zonyango, impilo yedijithali
Amandla ahlaziyekayo	Amandla acocekileyo, izisombululo ezikhuselekileyo
I-Logistics	I-e-commerce, ulwakhiwo lokuthengisa
Imali	Ulawulo lwezixhobo, iinkonzo zengcebo
Imfundo	Amaziko abucala, ubugcisa obutsha

Qaphela: I-GIP ibeka phambili iiprojekthi ezihambelana neenjongo ezintsha nezokuzinza zaseSingapore.

Imibuzo Ebuzwa Rhoqo

1. Yintoni eyona mali iphantsi yokutshalwa kwezimali ukuze uhlale eSingapore?

I-SGD 10 yezigidi (ukutshalwa kwezimali kwezorhwebo) okanye i-SGD 25 yezigidi (isikhwama esivunyelweyo).

2. Ngaba ndingakwazi ukufaka intsapho yam?

Ewe, amaqabane omtshato nabantwana abangatshatanga abangaphantsi kweminyaka engama-21 baqukwa.

3. Kuthatha ixesha elingakanani ukwamkelwa?

Ngokuqhelekileyo phakathi kweenyanga ezi-6 ukuya kwezi-9 ukusuka kwisicelo ukuya ekukhululweni kokuhlala.

4. Ngaba ndingakwazi ukusebenza okanye ukuqalisa ishishini eSingapore?

Ewe, abantu abahlala ngokusisigxina banokuzihlawulela ukuba basebenze, batyale imali okanye baqhube iinkampani.

5. Kuthatha ixesha elingakanani ngaphambi kokuba ndifake isicelo sokuba ngummi?

Emva kweminyaka emibini ubuncinane yokuhlala ngokusisigxina, kuxhomekeke ekuhlaziyeni ukudibanisa kunye nenxaxheba.

6. Ngaba ndingakwazi ukusebenzisa imali endiboleke yona?

Hayi, utyalo-mali kufuneka lwenziwe kwiimpahla zobuqu ezinokuqinisekiswa.

7. Kwenzeka ntoni ukuba ndiyayirhoxisa imali yam ngaphambi kwexesha?

Isimo sakho sokuhlala sinokupheliswa ukuba akukho zibheno zotyalo-mali.

Ukutshalwa Kwezimali Kwimeko Eqinisekisiweyo Neyenzelwe Ikamva

I- Indawo yokuhlala yaseSingapore ngeNkqubo yoTyalo-mali Inika abatyali mali indibaniselwano ekhethekileyo yamathuba emali, uzinzo kwezopolitiko, kunye nonxibelelwano lwehlabathi. ukuhlala ngokusisigxina ngeentengiso okanye utyalo-mali lwezixhobo.

Iinkampani zeGlobalhenel inika iinkonzo zokubonisana ezilungelelanisiweyo ezenza lula inkqubo, zilungelelanise utyalo-mali lwakho kwiimfuno zikarhulumente, kwaye ziqinisekise ukuba kuguqulwa ngokulula kwinkqubo yeshishini yaseSingapore.

Unxibelelwano Iinkampani zeGlobalhenel namhlanje ukuqala yakho Uhambo lokuhlala eSingapore ngendlela eqinisekisiweyo, ekhuselekileyo nexhomekeke kwiziphumo.